Toku Card · Visa Spending

Spend with a Visa card. Anywhere.

Recipients spend their balance directly through a Toku-branded Visa card. Accepted at over 150 million merchants worldwide. No off-ramp required. No local bank account dependency.

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Global Acceptance

150M+ merchants

Card Issuance

US + LatAm APAC Q2 2026

Time to Spend

Instant from settlement

What it is

A spending layer, not a payment method.

The Toku Card is how recipients spend their balance — not how you pay them. Payments still settle to the recipient’s wallet on stablecoin rails. The card sits on top of that balance, giving recipients instant access at any Visa-accepting merchant globally without converting to local currency first.

What it does. Issues a Toku-branded Visa card to recipients during onboarding. Recipients spend directly against their settled balance. Acceptance is global — over 150 million merchants — wherever Visa is accepted.

What it doesn’t do. The card isn’t the payment rail. Toku doesn’t pay recipients to the card. Recipients receive payment to their wallet, then spend that balance through the card. This separation keeps payment, custody, and spending as distinct layers.

Who it’s for. Contractors and employees in markets where local banking is slow, expensive, or unreliable. Especially valuable for recipients in Latin America who would otherwise wait days for an international wire to clear and then absorb FX conversion at withdrawal.

Spend zone

Any Visa-accepting merchant globally. 150M+ acceptance points.

Issuance

Available for US and LatAm recipients today. APAC issuance launching Q2 2026.

Compliance

Standard KYC process at issuance. Recipients onboard once.

Branding

Toku-branded card design. Visa-issued spending rail underneath.

Coverage

Where it runs and where it’s issued.

Where it can be spent

Global Spend

150M+ Visa merchants

Recipients spend at any merchant that accepts Visa, in any country. Online checkouts, point-of-sale terminals, contactless payments. No FX restrictions on Visa’s spending network itself.

Where it can be issued

Available Now

US and LatAm

Recipients in the US and across Latin America can be issued cards today, including major markets in Mexico, Colombia, Argentina, and Brazil.

Launching Q2 2026

APAC

Card issuance for recipients in Asia-Pacific markets launches in Q2 2026. Talk to the team for the current country list and confirmed launch dates.

How it works

From onboarding to first purchase.

STEP 01

Recipient onboards

Standard KYC process during onboarding. The recipient verifies identity once. Subsequent payments and card issuance flow automatically.

STEP 02

Card is issued

A Toku-branded Visa card is provisioned to the recipient. Virtual card available immediately for online spend; physical card shipped where applicable.

STEP 03

Payment settles to wallet

Payroll runs on Toku settle directly to the recipient’s connected Rain wallet. The card balance reflects the wallet balance.

STEP 04

Recipient spends globally

Tap, swipe, or check out online anywhere Visa is accepted. The card draws against the wallet balance the moment it settles.

Why it matters

What the card solves that wires don’t.

// 01 Faster access to funds No waiting for a local bank to clear an international wire. The card spends against the wallet balance the second payment settles.	// 02 Less dependency on local banking Recipients in markets with limited or unreliable banking infrastructure can still spend their pay without a local bank account.	// 03 Global acceptance Wherever Visa is accepted — over 150 million merchants — the card works with no country-specific friction.
// 04 Skip the off-ramp Recipients don’t need to convert to local currency first. That removes a fee step and a delay step for every transaction.	// 05 One onboarding The recipient onboards once. Card issuance, future payments, and spending all flow from that single setup automatically.	// 06 Toku-branded, Visa-issued The card carries Toku branding while running on Visa’s settlement network. Recipients see a consistent experience.

FAQ

Common questions about the Toku Card.

Where can recipients be issued a card?

Card issuance is available for recipients in the US and across Latin America today. APAC issuance launches in Q2 2026. Confirm coverage with the Toku team on a demo call.

Where can the card be spent?

Anywhere Visa is accepted — over 150 million merchants globally. A recipient issued in Mexico can spend at any Visa merchant worldwide.

Is the card how Toku pays recipients?

No. Payments settle to the recipient’s wallet through stablecoin rails. The card is a spending layer on top of that balance.

Is it a virtual card, physical card, or both?

Virtual cards are issued at onboarding and available for online spend immediately. Physical cards are available in supported regions.

See the card in your payroll flow.

Bring your recipient list. The team will walk through which of them can be issued a card today, what onboarding looks like, and how spend works end to end.

Book a Demo